Podcasts about financial institutions

Financial institutions are rethinking loyalty at a critical moment. Credit card spending sits at record highs, but economic uncertainty looms. For banks aiming to stay relevant, loyalty can no longer be an afterthought – it needs to be embedded into every customer experience from the start. At FIS's Emerald 2025 conference in Orlando, Mladen Vladic, general manager of loyalty services at FIS, sat down to discuss how the loyalty industry is evolving beyond traditional card-based rewards. His central argument: Financial institutions need to shift from chasing share of wallet to capturing share of mind first.

SpaceX IPO coming – huge increase in valuation over past 3 months Happy Hanukah – Eight Crazy Nights Now Kevin AND Kevin PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - Last Chance for CTP Cup 2025 participants - Happy Hanukah - Eight Crazy Nights - Sad News - Rob Reiner - Fed decision is out.... - Overdue eco reports coming this week Markets - Oracle still problematic - SpaceX IPO coming - huge increase in valuation over past 3 months - Another Bankruptcy - cleaning up is not good business - Oh my - Now Kevin AND Kevin - Weight loss game continues - One thing saved for last - a doozie... Tesla -  - All time High - Prospect of Robotaxi - Even though sales hitting multi-year lows Wall Street Never Sleeps? - Nasdaq files to extend trading to 23 hours on weekdays - Banks concerned about investor protections, costs, liquidity, volatility risks of nonstop trading - Proponents argue round-the-clock trading benefits global investors - That may create some additional volatility potential SpaceX - SpaceX aims for a potential $1.5 trillion market cap with an Initial Public Offering in 2026, which could become the largest IPO in history - July 2025 tender valuation was $400B - Dec 14th (4 months later) $800B - Starlink is the primary money winner of this deal - Tesla shares climbing even with nothing behind it - seemingly in sympathy for this IPO ---- TESLA does not have ownership of SpaceX - OH - this could be the reason....U.S. deliveries dropped significantly in November—the lowest since early 2022—but this weakness has been overshadowed by the enthusiasm for autonomy. Rob Reiner - A son of legendary Hollywood director Rob Reiner and his wife, producer Michele Singer Reiner, Nick Reiner, is being held on suspicion of murder following their deaths, according to Los Angeles Police Department Chief Jim McDonnell. He's being held on $4 million bail. - Citing law enforcement sources and family friends, ABC News reported on Monday that Nick Reiner had recently returned to live at his parents' South Chadbourne Avenue home. The move was described as a temporary arrangement intended to help him stabilize. - Not going to discuss the Truth Social post about this tragedy HEADLINE ALERT - "Copper could hit ‘stratospheric new highs' as hoarding of the metal in U.S. continues" - Copper has gone from 5.77 to 5.30 (July to today) - 6 Tops at this price since 2011 - Not seeing this as per the headline - seems like a Hunt Brothers special from the 1980s - CORNERING THE MARKET ---1980 - Silver went from $11 to $50 then crashed, bankrupting the Hunt Bros - after COMEX changed rules forcing them to cover positions Bankruptcy - After 35 years, the maker of the Roomba robot vacuum filed for bankruptcy protection late Sunday night. Following warnings issued earlier this year that it was fast running out of options, iRobot says it is entering Chapter 11 protection and will be acquired by its contract manufacturer, China-based Picea Robotics. - The company says it will continue to operate “with no anticipated disruption to its app functionality, customer programs, global partners, supply chain relationships, or ongoing product support.” - Remember that Amazon  - The Amazon buyout of iRobot, maker of Roomba, was announced in 2022 for $1.7 billion but ultimately failed in January 2024 due to significant regulatory pushback, primarily from the EU, over anti-competitive concerns. -- Amazon walked away with a $94 million termination fee Fed Pick - President Donald Trump said Friday that Kevin Warsh has moved to the top of his list as the next Federal Reserve chair, though Kevin Hassett also remains in contention, according to the Wall Street Journal. - Interesting that this comes days after Hassett said that we would not let outside suggestions influence his voting - ---In addition to putting heavier weight on Warsh getting the job, Trump repeated an assertion he has made in the past that the Fed chair ought to consult the president about interest rate decisions. - Also of interest, prediction markets had Hassett at 95% probability - now it moved to 50% - big payday for people in the know. Housing Prices - Average home price is DOWN on  year-over-year basis - First time on national level since 2024 - Active listings in November were nearly 13% higher than November 2024, but new listings were just 1.7% higher --- Houses are on market longer - - Prices in Austin, Texas, are down 10% from last year; in Denver, they're down 5%, according to Parcl Labs. Tampa, Florida, and Houston both saw prices fall 4%, and Atlanta and Phoenix saw price decreases of 3%. More Hosing Related -  Zillow shares plunged more than 9% on Monday on worries that the online real estate platform could have a big new competitor: Google Search. - Google appears to be running tests on putting real estate sale listings into its search results. Overdue Eco  - Black Hole - The U.S. Bureau of Labor Statistics on Tuesday releases its long-awaited combined employment reports for October and November, but a number of key details will be missing after the government shutdown prevented data collection, including October's unemployment rate, resulting in the first-ever gap in that critical data series since inception in 1948. - NICE JOB GANG! - Some of the data will be estimated. - It said it would not publish the headline CPI number or the so-called core CPI, which strips out the volatile food and energy components, for October. "BLS cannot provide specific guidance to data users for navigating the missing October observations," the agency said. Some Updates - Some info coming in are estimates - some delayed - Unemployment at 4.6% - Latest report shows +64,000 added - ISM Manufacturing and Non-manufacturing - both slowed over the last month The Fed - Meanwhile the Fed cuts rates.... - A Federal Reserve split over where its priorities should lie cut its key interest rate Wednesday in a 9-3 vote, but signaled a tougher road ahead for further reductions. - The FOMC's “dot plot” indicated just one more reduction in 2026 and another in 2027, amid considerable disagreement from members about where rates should head. - In addition to the rate decision, the Fed also announced it will resume buying Treasury securities. The central bank will start by buying $40 billion in Treasury bills, beginning Friday. - Markets were all over the place on this as it was a little confusing at first - then it seemed that everyone loved (for one day) - Why is the Fed moving up Treasury purchases to "immediately" from a few months from now? - AND - dissension ! A larger group  that usual of regional Fed bank presidents signaled they opposed the cut, and six policymakers said the benchmark federal funds rate should end 2025 in a range of 3.75% to 4%, suggesting they opposed the move. - Long bonds have not moved at all on this news. Costco Earnings - Costco beat Wall Street's fiscal first-quarter sales and revenue expectations. - Sales rose 8.2% and digital sales jumped 20.5% compared with the year-ago quarter. - Costco surpassed Wall Street's quarterly expectations and posted year-over-year sales growth of 8.2% as the retailer attracted more digital sales and opened new locations. - Earnings per share: $4.50 vs. $4.27 expected - Revenue: $67.31 billion vs. $67.14 billion expected - Costco does not provide year ahead guidance - Shares down from a recent high of $855 Costco Fun Facts - About 4.5 million pies were sold in the three days before Thanksgiving, which is equivalent to roughly 7,000 pies per warehouse. -  These were bakery pies (e.g., pumpkin, apple), - Costco had more than $250 million in non-food online orders on Black Friday, a record for Costco's U.S. e-commerce business. - Approximately 358,000 whole pizzas were served at Costco's U.S. food courts, a 31% jump from last year. (500 pizza's per store) Fat No More - Retatrutide - Eli Lilly said its next-generation obesity drug delivered what appears to be the highest weight loss seen so far in a late-stage trial and reduced knee arthritis pain, clearing the first of several upcoming studies on the weekly injection. - In a 48-week Phase 2 study, participants on the highest dose lost an average of 24% of their body weight. - Recent Phase 3 results showed patients on the highest dose lost an average of 28.7% of their body weight after 68 weeks. - The trials also showed improvements in related health conditions, including knee osteoarthritis pain, blood pressure, and liver fat - This triple action is what makes retatrutide potentially more effective for weight loss than existing medications like Zepbound (tirzepatide), which targets two receptors, or Wegovy (semaglutide), which targets only one. Paypal - PayPal Holdings Inc. applied to become a bank in the US, looking to take advantage of the Trump administration's openness to financial-technology companies entering the banking system. - The payments-focused firm submitted applications to the Federal Deposit Insurance Corp. and the Utah Department of Financial Institutions to form a Utah-chartered industrial loan company, PayPal said in a statement Monday. - If approved, PayPal Bank would help the firm bolster its small-business lending capabilities, according to the statement, which said the company has provided access to more than $30 billion in loans and capital since 2013. Ford - Management Confused - Instead of planning to make enough electric vehicles to account for 40 percent of global sales by 2030—as it pledged just four years ago—Ford says it will focus on a broader range of hybrids, extended-range electrics, and battery-electric models, which executives now say will account for 50 percent of sales by the end of the decade. - The automaker will make hybrid versions of almost every vehicle in its lineup, the company says. - All in on EVS cost them -  Ford expects to record about $19.5 billion in special items, mostly during the fourth quarter. ---- The charges are related to a restructuring of its business priorities and a pullback in its all-electric vehicle investments. Australia - Australia has implemented a groundbreaking ban preventing children under 16 from accessing major social media platforms like TikTok, Instagram, and Facebook, effective December 2025, to protect them from harm, with significant fines for companies failing to enforce it, though messaging apps and gaming platforms are currently exempt. - Reddit is suing - Facebook, Instagram, Snapchat, Threads, TikTok, X (Twitter), YouTube, Reddit, Kick, and Twitch are all banned for kids under 16. - Thoughts on this? Saved For Last - Of all the eye-popping numbers that Oracle Corp. published last week on the costs of its artificial-intelligence data center buildout, the most striking didn't appear until the day after its earnings press release and analyst call. - The more comprehensive 10-Q earnings report that appeared on Thursday detailed $248 billion of lease-payment commitments, “substantially all” related to data centers and cloud capacity arrangements, the business-software firm said. These are due to commence between now and its 2028 financial year but they're not yet included on its balance sheet. - That's almost $150 billion more than was disclosed in the footnotes of September's earnings update. Love the Show? Then how about a Donation? The Winner for iShares Bitcoin Trust ETF (IBIT) Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt! CTP CUP 2025 Participants: Jim Beaver Mike Kazmierczak Joe Metzger Ken Degel David Martin Dean Wormell Neil Larion Mary Lou Schwarzer Eric Harvey (2024 Winner) FED AND CRYPTO LIMERICKS See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

Steven MacKinnon, Government House Leader; Andrew Scheer, Conservative House Leader; The Front Bench with: Christy Clark, John Manley, James Moore and Lisa Raitt; Wayne Long, Secretary of State (CRA & Financial Institutions).

In this episode of the ORX Podcast, host Steve Bishop is joined by Luke Carrivick and John Bosnell to unpack the European Banking Authority's (EBA) newly published Operational Risk Event Taxonomy. They explore why this update is so significant for financial institutions and how it compares to our own ORX Operational Risk Taxonomy.  The episode highlights ORX's role in shaping the taxonomy, the practical implications for firms already using our taxonomy, and how new attributes like legal, third party, and ESG risks enhance risk categorisation. Topics covered:  Challenges and opportunities of the EBA taxonomy How ORX responded to the new EBA Practical advice for firms preparing for the transition  Ongoing ORX risk standards for the global industry, including for 2026 Below are links to further resources referenced in the podcast. Read our blog on ‘ORX responds to EBA taxonomy proposal' on our website, where it's accessible to all. You can visit it here: https://orx.org/blog/orx-responds-to-eba-taxonomy-proposal For further information regarding our EBA resources or the ORX Risk Event Taxonomy, both available exclusively to ORX members, please refer to the links provided below: Blog: https://orx.org/blog/orx-responds-to-eba-taxonomy-proposal Reference Taxonomy: https://orx.org/operational-risk-reference-taxonomy   Taxonomy guidance: https://orx.org/blog/orx-reference-taxonomy-guidance-enhanced-for-2023 The podcast also highlights our ORX libraries, which are accessible to ORX members via the links provided below: Reference Control Library: https://orx.org/resource/orx-reference-control-library Reference Risk Indicator Library: https://orx.org/resource/reference-risk-indicator-library Reference Process Service Library: https://orx.org/resource/orx-reference-process-service-library The Scenario Library, accessible to ORX Scenario subscribers, serves as a valuable resource for users to benchmark their internal scenarios against the industry. Visit the library here: https://orx.org/orx-scenarios/library. To find out more about ORX Membership, ORX subscription services, and access other operational risk resources, just search ‘ORX' or visit: www.orx.org.

Pete Turek — a TransUnion® SVP responsible for overseeing relationships with more than 120 of the nation's leading financial institutions — join Josh and Craig this month to unpack insights from the latest Consumer Industry Insights Report. The discussion highlights a “K-shaped” dynamic in lending, with strong growth at both ends of the credit spectrum, record personal loan originations and Gen Z's rising influence. The conversation also covers tighter credit lines, longer auto loan terms, delinquency trends across products and the impact of the recent government shutdown. Looking ahead, the group examines how tax season, student loan offsets and macroeconomic factors could shape consumer credit performance in early 2026. For lenders and risk professionals, this episode offers a clear, data-driven view of where consumer credit stands — and what's next. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

In this special 2026 Payments Outlook episode of the Payments Podcast, host Owen McDonald is joined by Jessica Cheney and Vitus Rotzer to explore the trends shaping the future of banking and B2B payments. From monetizing ISO 20022 data and accelerating real-time and cross-border payments to scaling embedded payments and leveraging AI for fraud prevention, this conversation dives deep into the strategies banks must adopt to stay competitive. Discover why collaboration, APIs, and advanced analytics will define success in the coming year.

In this episode of Ahead of the Curve, we sit down with Gary Fan, Chief Operating Officer at Royal Business Bank, to unpack what real innovation looks like inside a modern community bank. With experience spanning fintech, global institutions, and community banking, Gary brings a rare perspective on how regional banks can move faster, differentiate smarter, and still stay grounded in sound risk management.Listeners will hear:Advice for launching new products without massive R&D teamsHow to build strong relationships with regulators early (and why it matters)Where AI and emerging tech actually fit into a bank's strategic roadmapWhat the next generation of bank leaders and customers will expectHow Royal Business Bank is positioning itself to compete through product design, niche markets, and cultural evolutionIf you've ever wondered how a bank can innovate without losing its identity—or how smaller institutions can compete in a fintech-driven world—this episode offers fresh, grounded, and actionable insight.About the guest:Gary Fan is the Chief Operating Officer of RBB, a publicly traded bank with over $4 billion in assets. As COO, Gary leads enterprise-wide growth initiatives, digital transformation, product and service innovation, and strategic M&A activity. He is also responsible for optimizing cross-functional operations and driving continuous business model evolution to stay ahead in a rapidly changing financial landscape.Previously, Gary served as President of Gateway Bank FSB in Oakland, CA, where he successfully led a full-scale turnaround, overseeing all retail and commercial banking units and restoring profitability. His leadership has consistently delivered measurable results across diverse financial institutions.Gary's career spans senior roles at global financial organizations, including CTBC Bank, where he served as Head of Strategy for North America and Head of Consumer Lending for its U.S. subsidiary. His expertise includes fintech integration, strategic partnerships, market expansion, long-range planning, and organizational restructuring.With P&L responsibility over multi-billion-dollar lending portfolios, Gary has led high-performing teams across Sales, Marketing, Retail and Commercial Banking, Operations, Credit Administration, Finance, IT & Security, HR, Legal, PMO, and Real Estate. His cross-industry experience includes Banking, Fintech, E-Commerce, Manufacturing, and Supply Chain & Logistics.Gary holds a bachelor's degree from the University of California, Berkeley, and is a graduate of the Stonier Graduate School of Banking at The Wharton School.Helpful links:Read about Royal Business Bank.Learn about how AI integrates into Abrigo solutions: AI solutions for banks

In this episode, Graham Steele, former Assistant Secretary for Financial Institutions at the U.S. Treasury and current academic fellow at Stanford Law School, discusses the implications of cryptocurrency and blockchain on the central banking functions of government. This is the eighth episode in our 11-part series, Technology vs. Government, featuring former California State Assemblymember Lloyd Levine.About Graham Steele:Graham Steele is an Academic Fellow at Stanford Law School's Rock Center for Corporate Governance. He has extensive experience at the highest levels of financial policy, having served as the Assistant Secretary for Financial Institutions at the U.S. Department of the Treasury, where he was responsible for policy on banks, credit unions, insurance, fintech, and financial cybersecurity. Prior to his role at Treasury, he directed the Corporations and Society Initiative at Stanford Graduate School of Business. His formative policy experience was on Capitol Hill, where he served for nearly eight years on the U.S. Senate Committee on Banking, Housing, and Urban Affairs, including as Chief Counsel for the Democratic Staff, working on the Dodd-Frank Act in response to the 2008 financial crisis.Interviewer:Lloyd Levine (Former California State Assemblymember, UCR School of Public Policy Senior Policy Fellow)Key Discussion Points:History Repeats Itself: Exploring how cryptocurrency echoes past eras of private money creation like the "Free Banking" and "shadow banking" eras, which often led to financial instability and government intervention.Crypto vs. Blockchain: A simple breakdown: cryptocurrency is the digital asset (like Bitcoin), while blockchain is the underlying technology that records the transactions.Public vs. Private Money: Why government-backed money (like the U.S. dollar) has inherent stability and consumer protections that private cryptocurrencies lack.Solving a Real Problem? Analyzing crypto's promise of faster, cheaper payments and greater financial inclusion against its current realities, such as high volatility and reliance on the traditional banking system.A Regulatory Wild West: The challenges of regulating a borderless, often anonymous system, including fraud, "rug pulls," and market manipulation.The Future of Crypto: Will it become a responsible financial tool, remain a niche investment, or continue to pose systemic risks?

Welcome to a special 4dFi podcast exploring the latest trends and technologies reshaping finance. I'm Zack Miller, Tearsheet's Editor in Chief. Today, we're unpacking the rise of AI agents and their potential to transform how consumers interact with financial services. I'm joined by my partners Russell Weiss, an AI expert and startup builder, and Josh Liggett, a seasoned fintech investor. Together, we'll bring a multidimensional view to this complex space. We'll dive into real-world examples like Capital One's Chat Concierge, which has driven a 55% boost in customer engagement by automating key tasks across thousands of auto dealer sites. Looking ahead, we'll consider the implications for traditional banks. Will they invest billions in proprietary AI models, or cede ground to big tech and infrastructure players increasingly embedding financial services? We don't have all the answers but want to open up with good questions and thinking about where things are headed. We'll also explore how the evolution of AI agents could intersect with web3, crypto, and asset tokenization to enable digital transactions. Russell and Josh will weigh in on which players are poised to thrive in this new era of AI-powered finance. There's a lot to cover, but one thing is clear: AI is no longer a far-off possibility for banks. It's a present-day reality redefining what's possible. Stay tuned for a thought-provoking discussion of the opportunities and challenges ahead.

In this episode of Cashflow Legendz, Nate and Brock break down the Four Rules of the Financial Institutions and reveal how these rules shape the way money moves in our everyday lives. They go step-by-step through how banks think, how they operate, and why they always seem to win. This is about understanding the playbook so you can start playing the game at a higher level instead of being played by it. You'll learn how these rules influence borrowing, saving, and investing, and why shifting your mindset can open up new paths toward building wealth on your terms. Nate and Brock share personal experiences and practical insights that you can start applying right away. If you are ready to think differently about money and take back control of your financial future, this episode is for you.  

On Thursday, October 23, Peter Routledge, Superintendent of Financial Institutions, was interviewed by Bill Coen, the Former Secretary General of the Basel Committee on Banking Supervision, a Toronto

OSFI (The office of superintendent of Financial Institutions) has told all lenders that they are to change the way that they use rental income to qualify purchasers of real estate in Canada. Essentially, OSFI has told Canadian real estate investors in Canada that they can no longer use rental income to qualify these purchases. It has to be off the strength of their income from their job.Why? As rents start to come down across Canada, income properties are starting to become less and less cashflow positive assets, thus becoming more a risk to both the owner of the asset and the banks that hold the debt of those assets. So to mitigate this risk of foreclosures, OSFI has advised the banks to watch out for rental incomes in investment properties.Matt Legatto is back on the podcast to help break down things you can do to help navigate this new rule change!Jason Paul902-220-7357jason@infinityrealestategroup.ca @jasonpaulhalifaxrealtor2467⁩ Matt Legatto902-240-3304matthew.legatto@indimortgages.ca

Ed Cox: Mamdani's Mayorship Threatens Key NY Financial Institutions (7 min) Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's podcast features the second part of a recent webinar produced on September 24, 2025, titled: "A New Era for Banking: What President Trump's Debanking Executive Order and Related State Laws Mean for Financial Institutions, Government, and Banking Customers." In Part 2, we discuss the following topics: 1.               What are the areas of uncertainty with respect to the Executive Order, including:  ·                 Defining an "unlawful business" or "religion and why those definitions are important.   ·                 What regulator or regulators will issue regulations or other guidance? 2.               What is the role of the Small Business Administration ("SBA") 3.               Intersection with AML/BSA 4.               Intersection with state debanking statutes and experience of the states 5.               Pending Federal legislation 6.               What should financial institutions be doing now to prepare for regulator review? 7.               Is the Executive Order good or bad policy? 8.               Is there a proven need for the Executive Order?  Is there any empirical evidence of need based on complaints submitted to states with debanking statutes, SBA or other federal banking prudential regulators or is it all anecdotal? Our presenters, who hold diverse views on the wisdom of the Executive Order, are: ·        Jason Mikula Founder and Publisher, Fintech Business Weekly Jason Mikula is an independent fintech and banking advisor, consultant, and investor. He also publishes Fintech Business Weekly, a newsletter analyzing trends in banking and fintech. He opposes the Executive Order. ·        Brian Knight Senior Counsel, Corporate Engagement, Alliance Defending Freedom Brian Knight serves as Senior Counsel on the Corporate Engagement Team at Alliance Defending Freedom. His work focuses on issues of financial access, debanking, and preventing the politicization of financial services. He opposes the Executive Order. ·        Todd Phillips Assistant Professor of Law, J. Mack Robinson College of Business, Georgia State University Todd Phillips is an assistant professor of law at Georgia State University. His areas of expertise include bank capital and prudential regulation, deposit insurance, and the laws governing federal regulators. He opposes the Executive Order. ·        Will Hild Executive Director, Consumers' Research Will Hild is the Executive Director of Consumers' Research, the nation's oldest consumer protection organization. He has led efforts to combat ESG and what he considers "woke capitalism," including launching the Consumers First campaign. He supports the Executive Order. ·        Graham Steele Assistant Secretary for Financial Institutions, U.S. Department of the Treasury Graham Steele serves as the Assistant Secretary for Financial Institutions at the U.S. Department of the Treasury. He is an expert on financial regulation and financial institutions, with over a decade of experience working at the highest levels of law and policy in Washington, D.C. He opposes the Executive Order. Alan Kaplinsky, the founder and first practice group leader and now Senior Counsel of the Consumer Financial Services Group at our firm, moderated the webinar. We released Part 1of this webinar on October 30, 2025

According to Bix Weir of Road to Roota, the United States has been on a covert path back to the constitutional gold and silver standard since the 1981 Gold Commission, a secret initiative under Ronald Reagan to dismantle the fiat money scam and restore sound money as mandated by the Constitution. Weir decodes the Federal Reserve's cryptic 1981 comic "Wishes and Rainbows," re-released in 2007, as a roadmap—"The Road to Roota"—outlining the transition from "Grey Flowers" (fiat currency) to "Colorland" (a redeemable gold-backed system), complete with hidden U.S. gold reserves in places like the Grand Canyon to fuel the reset. He argues this plan accelerates under figures like Donald Trump, who is leveraging massive undisclosed gold stashes to collapse the manipulated markets and implement a new gold/silver coin standard via the U.S. Mint, where silver could skyrocket to match gold at a 1:1 ratio, freeing Americans from endless inflation and debt slavery. Central to this liberation is abolishing the Federal Reserve, the "BIG player" Weir identifies as the root of global economic hatred toward the West, with its computer-driven manipulations since Alan Greenspan's era propping up a dying fiat blip; Trump, per Weir, is crashing the [CB] system through engineered chaos, paving the way for constitutional money where every citizen can redeem notes for physical gold and silver, ending the Fed's reign and restoring true freedom. Weir's scathing exposés paint JP Morgan Chase as the epicenter of silver market rigging, with CEO Jamie Dimon—derisively dubbed "Jamie Demon" for his demonic role in financial crimes—leading a cabal that has suppressed silver prices through massive COMEX shorts and derivative slams, all while cashing out ahead of the inevitable squeeze that could drain their "house silver" vaults dry. This manipulation ties directly to Epstein Island scandals, where Weir reveals JP Morgan and Deutsche Bank facilitated the financier's criminal network, enabling cash flows for trafficking that intertwined elite bankers like Dimon with the island's depravities; exposing Epstein's client list, including Dimon's inner circle, would unleash uncontrollable silver demand as the rigged system's veils tear away, crushing the bullion banks and vindicating Weir's long-warned "Silver Alert" for a monetary rebellion. 

Listen and subscribe on Apple Podcasts | SpotifyHey all, Jason here.In this episode recorded live in Las Vegas this Tuesday during Money20/20, I had the chance to talk with Oscilar cofounder and CEO Neha Narkhede. We had the chance to discuss:* Neha's background as co-creator of Apache Kafka and cofounder of Confluent, which eventually scaled to a $10 billion IPO* How Oscilar is helping both fintechs and banks — including household names like Sofi — to power real-time risk stacks* Thinking about risk as a data and AI problem* Why organizations need to move beyond point solutions and data silos to manage risk effectively* The importance of real-time decisioning across the customer lifecycle, from onboarding/KYC to fraud, credit risk, and transaction monitoring* And more! Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

Today's podcast features the first part of a recent webinar produced on September 24, 2025, titled: "A New Era for Banking: What President Trump's Debanking Executive Order and Related State Laws Mean for Financial Institutions, Government, and Banking Customers." In Part 1, we discuss the following topics: 1.     History of Debanking, including: o   Operation Chokepoint: An initiative by federal prudential banking regulators during the Obama administration aimed at discouraging banks supervised by them from providing services to companies engaged in payday lending. o   OCC Final Regulation on Debanking: Issued by Acting Comptroller Brian Brooks toward the end of President Trump's first term, this regulation applied only to the largest banks in the country. It was sent to the Federal Register but never published and, therefore, never became effective. 2.     Elements and Scope of the Debanking Executive Order 3.     Statutory Authority (or Lack Thereof) of the Executive Order, which was largely based on the unfairness prongs of UDAAP and UDAP, even though a federal district court in Alabama held a few years ago that such unfairness prongs do not cover discrimination. Our presenters, who hold diverse views on the wisdom of the Executive Order, are: ·        Jason Mikula Founder and Publisher, Fintech Business Weekly Jason Mikula is an independent fintech and banking advisor, consultant, and investor. He also publishes Fintech Business Weekly, a newsletter analyzing trends in banking and fintech. He opposes the Executive Order. ·        Brian Knight Senior Counsel, Corporate Engagement, Alliance Defending Freedom Brian Knight serves as Senior Counsel on the Corporate Engagement Team at Alliance Defending Freedom. His work focuses on issues of financial access, debanking, and preventing the politicization of financial services. He opposes the Executive Order. ·        Todd Phillips Assistant Professor of Law, J. Mack Robinson College of Business, Georgia State University Todd Phillips is an assistant professor of law at Georgia State University. His areas of expertise include bank capital and prudential regulation, deposit insurance, and the laws governing federal regulators. He opposes the Executive Order. ·        Will Hild Executive Director, Consumers' Research Will Hild is the Executive Director of Consumers' Research, the nation's oldest consumer protection organization. He has led efforts to combat ESG and what he considers "woke capitalism," including launching the Consumers First campaign. He supports the Executive Order. ·        Graham Steele Assistant Secretary for Financial Institutions, U.S. Department of the Treasury Graham Steele serves as the Assistant Secretary for Financial Institutions at the U.S. Department of the Treasury. He is an expert on financial regulation and financial institutions, with over a decade of experience working at the highest levels of law and policy in Washington, D.C. He opposes the Executive Order. Alan Kaplinsky, the founder and first practice group leader and now Senior Counsel of the Consumer Financial Services Group at our firm, moderated the webinar. We will be releasing Part 2 of this webinar on November 6, 2025.

Christian Widhalm, CEO of Bloom Credit, joins the latest episode of Extra Credit to unpack the evolving landscape of credit data furnishment. Christian shares how Bloom is tackling the limitations of legacy credit reporting formats — originally designed for traditional products and monthly cycles — and helping lenders report both conventional and alternative data more accurately and in real time. The conversation covers the rise of BNPL, the promise of transactional data for underserved consumers and regulatory headwinds shaping open banking. Widhalm also weighs in on why traditional credit data isn't dead — despite the hype — and how FinTech partnerships are accelerating innovation across the lending ecosystem.

In this episode, Craig Jeffery talks with Lisa Christie and Tom Gregory of TD Bank about why fraud prevention still hinges on mastering the basics. They explore escalating threats, the power of alerts, the principle of least privilege, and how education is key to staying ahead.

Surekha Carpenter and Taylor Pessin share their initial learnings about community development financial institutions that responded to the 2025 CDFI Survey, which is conducted every other year by the Federal Reserve. Carpenter is a senior research analyst and Pessin is an intermediate research analyst, both on the Regional and Community Analysis team at the Federal Reserve Bank of Richmond. Full transcript and related links: https://www.richmondfed.org/podcasts/speaking_of_the_economy/2025/speaking_2025_10_22_cdfi_survey

The multilateral development banks (MDBs) play a critical role in addressing climate change and have a key role to play in delivering on the ‘New Collective Quantified Goal' on climate finance, agreed at COP29. This Climate Briefing episode focuses on the newest of the MDBs: the Asian Infrastructure Investment Bank (AIIB), launched in 2016. What are the similarities and differences between the AIIB and the other MDBs? What is the AIIB doing to address climate change?  To find out, Anna and Bhargabi speak to Kim-See Lim (Chief Investment Officer, Public Sector (Region 1) & Financial Institutions and Funds (Global) Clients at the AIIB) and Hans Peter Lankes (Managing Director and Deputy Chief Executive at the Overseas Development Institute; Visiting Professor in Practice at the LSE Grantham Research Institute; and a Senior Fellow at the LSE/Oxford International Growth Centre).  In the introduction to the episode, Anna and Bhargabi speak about growth trends in global renewable energy generation, climate politics in the UK, the US-China trade spat and the ratification of the High Seas Treaty.

In this episode of The Consumer Finance Podcast, Chris Willis is joined by Lori Sommerfield and James Stevens to delve into the implications of President Trump's Executive Order 14331, "Guaranteeing Fair Banking for All Americans." This order aims to eliminate politicized or unlawful de-banking practices by prohibiting financial institutions from denying access to banking services based on political, religious, or ideological beliefs. The trio discusses the historical context of de-banking, tracing its roots back to the Obama-era Operation Choke Point, and explores the current regulatory landscape shaped by the executive order. They analyze the directives issued to federal agencies, including the Small Business Administration and the Office of the Comptroller of the Currency, and the potential risks and challenges facing financial institutions. Tune in to understand how this regulatory push will likely impact the banking industry and what steps institutions can take now to mitigate risks. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, I was joined by Charles Calomiris, Henry Kaufman Professor Emeritus of Financial Institutions in the Faculty of Business and Professor Emeritus of International and Public Affairs at Columbia Business School, Stephen Haber, A.A. and Jeanne Welch Milligan Professor, Senior Fellow at the Hoover Institution and at the Stanford Institute for Economic Policy Research, Professor of History and, by courtesy, of Economics at Stanford University, and Kiah Haslett, bank reporting veteran and creator of the Fintech Takes Banking newsletter.Charles and Stephen are the authors of 2014's excellent comparative analysis of banking and political systems, Fragile by Design, which informed our discussion and I highly recommend anyone involved in financial services read if they haven't already.Charles, Stephen, Kiah, and I had the chance to discuss:* The nature of the “Game of Bank Bargains”* Why Canadians love their banks* Some of the underlying reasons behind the growth of the shadow banking system in the US* Charles' argument that Biden-era regulators were staunchly opposed to innovation in the banking system and why he thinks that former acting Comptroller Michael Hsu was “a complete hack”* Why young people should pay more attention to the fiscal decisions coming out of Washington* The risks of “progressive ideology” and why more government may not be the answer* And much, much moreYou can find more of Charles' work here and and Stephens' here. More information on the Hoover Institution, including the ability to sign up for its newsletter, here. Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

IN THIS EPISODE...Bahari Harris, Senior Vice President and Director of Financial Inclusion Initiatives at Truist Financial Corporation, discusses his journey from founding Urban Hope to leading financial inclusion programs at Truist. Bahari discusses the importance of financial literacy and the Start, Save, Win initiative, which incentivized new savers to save $25 each month, leading to over 25,000 new accounts and millions saved. He emphasizes the need to address the fear of the unknown and improve accessibility in banking. Harris also shares his personal finance hashtag #YourFinanceChamp to demystify financial services and encourages strategic decision-making in leadership.Truist is a leading bank holding company focused on financial inclusion and community impact. Through programs like workplace banking, student banking, and financial education initiatives, Truist aims to make banking more accessible and help individuals and communities achieve financial well-being.------------Full show notes, guest bio, links to resources mentioned, and other compelling episodes can be found at http://LeadYourGamePodcast.com. (Click the magnifying icon at the top right and type “Bahari”)Love the show? Subscribe, rate, review, and share! Learn more about us! https://shockinglydifferent.com/-------------WHAT TO LISTEN FOR:1. Bahari's journey from nonprofit leadership to his current role at Truist.2. How Truist is making banking more accessible and inclusive for underserved communities.3. The impact of financial literacy and why it matters for generational wealth.4. Examples of innovative programs like “Start, Save, Win” and workplace banking.5. Barriers to financial inclusion—what are the biggest challenges people face?6. Bahari's leadership philosophy: meeting people where they are and motivating them forward.7. How can financial institutions build trust and loyalty in their communities?8. What practical steps can listeners take to improve their own financial well-being?------------FEATURED TIMESTAMPS:[00:36] Introduction and Bahari's role at Truist [02:14] Personal background and interests outside of work. [03:31] Bahari's career journey from nonprofit work to banking [07:06] Discussion on the importance of financial literacy and the challenges faced byunderserved communities.[10:53] Overview of Truist's value-driven mission and the “Start, Save, Win” savingsinitiative.[13:49] The importance of building savings habits and how behavior impacts financialsecurity.[15:32] Barriers to financial inclusion: fear of the unknown and accessibility.[19:29] The unique, mission-driven approach of Truist and the value of purpose-drivenleadership.[21:07] Bahari's “Your Finance Champ” social media initiative to demystify financialservices.[23:19] Signature Segment: Bahari's entry into the LATTOYG Playbook: Leading side-by-side[23:45] Bahari's leadership philosophy: meeting people where they are and motivatingthem forward.[27:10] Signature Segment: Bahari's LATTOYG Tactic of Choice: Leading with Strategic decision-making[32:18] The broader impact of Bahari's work and the importance of opening doors for others.------------ADDITIONAL RESOURCES FOR YOU:Overview: Our Signature Leadership Development Experience: http://bit.ly/DevelopYourGame

In this episode of Extra Credit, Harmon Lyons, VP of Strategy and Market Development for TransUnion's financial services marketing solutions, joins Craig and Josh for a deep dive into the evolving role of data in financial services marketing. Harmon shares insights from nearly 30 years in the industry, highlighting how all FS marketers — from regional credit unions to national banks — can overcome fragmentation, connect with customers across channels and prove ROI. The conversation covers best practices for identity resolution, the importance of brand building — even on modest budgets — and how to balance acquisition and retention strategies. Whether you're a CMO or in a marketing-adjacent role, this episode offers a practical look at how data-driven strategies are reshaping the way financial institutions engage with consumers. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

Petr Dvorak is the founder and CEO of Wultra, which recently raised €3 million to accelerate the development of its post-quantum authentication technology, safeguarding banks and fintech against the coming wave of quantum threats. In this episode, he joins host Paul John Spaulding to discuss the announcement, what the funds will be used for, and more. • For more on cybersecurity, visit us at https://cybersecurityventures.com

Artificial intelligence (AI) is no longer just a buzzword in financial services. From lending to fraud detection to customer service, AI is steadily finding its way into community banks and credit unions. But for leaders, boards, and compliance teams, one pressing question remains: how do we adopt AI responsibly?In this episode of the Banking on Data podcast, host Ed Vincent sits down with Beth Nilles, Director of Implementation, who brings more than 30 years of banking leadership across lending, operations, and compliance. Beth offers practical guidance for financial institution leaders who may be exploring AI for the first time - or wrestling with how to scale responsibly without falling behind on regulatory expectations.Follow us to stay in the know!

According to a survey conducted by Digital Federal Credit Union (DCU), Gen Z doesn't know all that much about credit unions. Perhaps this doesn't come as a surprise, but it's most definitely an issue that the credit union movement must be actively working to address. DCU is setting an example for how to recruit and engage Gen Z members in a way that isn't, as a Gen Z'er might put it, cringe. We sat down with Sue Burton, SVP of Experience for DCU, to talk about their efforts to date and to address this month's BIG question: Why do so few Gen Z'ers know about credit unions, and how can credit union marketers authentically reach and connect with this rising generation?

Today's Post - https://bahnsen.co/3VhbwZZ Unveiling the Economic Impact and Symbolism of 9/11 In this episode of Dividend Cafe, airing on September 12, David L. Bahnsen delves into a unique discussion on the economic intentions behind the 9/11 attacks, emphasizing the attackers' desire to undermine American financial markets by targeting the World Trade Center. The episode explores the symbolic and literal significance of the attacks, draws on historical quotes from Osama Bin Laden and Khalid Sheikh Mohammed, and highlights America's resilience and the importance of defending robust capital markets. Key points include the historical context of the World Trade Center, the immediate financial aftermath of the attacks, and the enduring strength of America's economic system. David also ties this discussion into the broader narrative of American exceptionalism and the philosophical importance of free enterprise. 00:00 Introduction and Theme Announcement 00:44 Reflecting on 9/11's Economic Impact 04:33 Historical Context of the World Trade Center 05:58 Financial Institutions in the World Trade Center 08:37 The Jihadist Economic Agenda 14:35 Resilience of American Financial Markets 17:33 American Exceptionalism and Capital Markets 21:50 Conclusion and Gratitude Links mentioned in this episode: DividendCafe.com TheBahnsenGroup.com

Scientific Sense ® by Gill Eapen: Prof Itay Goldstein is Professor of Finance and Economics at the Wharton Business School of University of Pennsylvania. His research interests include feedback effects between financial markets and real economy, financial fragility and crises, financial institutions, and marketPlease subscribe to this channel:https://www.youtube.com/c/ScientificSense?sub_confirmation=1

Welcome to the Hughes Hubbard Anti-Corruption & Internal Investigations Practice Group's podcast, All Things Investigation. In this podcast, host Tom Fox welcomes back Jeremy Paner and Diego Durán de la Vega to discuss recent FinCEN enforcement actions targeting three Mexican financial institutions. The conversation explores the implications of these actions under the Fend Off Fentanyl Act, the evolving regulatory landscape, and the existential risks facing financial institutions operating in Mexico. The guests provide practical compliance guidance, lessons learned, and a forward-looking perspective on U.S. enforcement trends. Highlights include: Why These Enforcement Actions Matter The Fend Off Fentanyl Act: A New Legal Tool U.S. Government Focus on Mexico Lessons from OFAC Enforcement Compliance Implications for Financial Institutions Responding to Enforcement: Practical Steps Global Jurisdiction and the U.S. Financial System Key Lessons for Compliance Officers Looking Ahead: Future Enforcement Trends Key Takeaways for Compliance Professionals: The Fend Off Fentanyl Act introduces new, immediate risks for financial institutions, especially those with ties to Mexico. U.S. enforcement actions can have global reach, severing access to the U.S. financial system. Compliance programs must be robust, proactive, and responsive to regulatory advisories and negative media. Effective communication between compliance and legal functions is crucial for mitigating risk. Resources: Hughes Hubbard & Reed website Jeremy Paner Diego Durán de la Vega

The latest installment of Extra Credit has Dawn Figlioli, VP of Sales, Financial Services at TransUnion, stepping into the host seat, guiding a conversation with Craig and Josh on the latest credit market insights. The trio explores the current lending environment, marked by both stability and caution, and dives into the surprising growth at both ends of the credit spectrum. They discuss rising delinquencies in auto and mortgage, the evolving role of FinTechs in super prime lending, and how refined risk strategies are reshaping subprime performance. The episode also touches on the regulatory landscape and why consumer optimism may be on the rise — despite economic headwinds. Whether you're a lender navigating uncertainty or a strategist looking for signals in the noise, this episode offers grounded, data-driven perspective on what's next. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

Authenticity is the new currency in social media. In our latest blog episode, CEO Meredith Olmstead sits down with Sophie Bawany to break down the difference between User-Generated Content (UGC) and Employee-Generated Content (EGC). Learn why both matter, how to integrate them into your content strategy, and how they can help your credit union or bank stay relatable, trustworthy, and top of mind—without breaking the budget.Key Takeaways:UGC builds trust from the outside.  Real content from members creates authentic word-of-mouth marketing.EGC builds trust from the inside. Employees sharing their perspective humanizes your brand.Use both for better engagement. Plan for EGC, encourage UGC. Together, they stretch your reach and your budget.

Wayne Long, Secretary of State (CRA & Financial Institutions); David Coletto, Abacus Data; The Front Bench with: Brian Gallant, Lisa Raitt and Tom Mulcair.

On this episode of The SaaS CFO Podcast, host Ben Murray sits down with Idan Bar-Dov, co-founder and CEO of Heka. Idan shares his unique journey from working in finance and law—starting out at an international law firm advising fintech companies—through the challenges of founding a startup during the pandemic, to leading a fast-growing SaaS company transforming how financial institutions use open source data. Together, they dive into Heka's evolution from its early focus on reconnecting consumers with their assets amid widespread data gaps, to becoming a global platform that provides advanced fraud detection, contact recovery, and enriched credit decisioning for major banks, fintechs, payment processors, and alternative lenders. Idan also opens up about the company's fundraising milestones, lessons learned from raising $16 million to date, building credibility with Fortune 500 clients, and the importance of sticky revenue metrics as the business scales. Tune in to hear more about Heka's mission to become the gold standard in consumer data, outpacing industry giants, and what's next for their growing team headquartered in New York and Israel. Plus, Idan shares practical advice for founders tackling enterprise sales, go-to-market strategy, and fundraising in the financial technology space. Show Notes: 00:00 Fintech Pivot During COVID Lockdown 04:15 Global Financial Reconnection Solutions 07:20 Insightful Investors Drive Series A 11:59 Navigating Investment Deals Efficiently 14:42 Investors Drive Financial Innovation 18:48 "Metrics for Growth: Revenue & NRR" 20:49 "Conquer Fortune 500 Market" Links: SaaS Fundraising Stories: https://www.thesaasnews.com/news/heka-raises-14-million-in-series-a Idan Bar-Dov's LinkedIn: https://www.linkedin.com/in/idan-bar-dov/ Heka Global's LinkedIn: https://www.linkedin.com/company/heka-global/ Heka Global's Website: https://hekaglobal.com/ To learn more about Ben check out the links below: Subscribe to Ben's daily metrics newsletter: https://saasmetricsschool.beehiiv.com/subscribe Subscribe to Ben's SaaS newsletter: https://mailchi.mp/df1db6bf8bca/the-saas-cfo-sign-up-landing-page SaaS Metrics courses here: https://www.thesaasacademy.com/ Join Ben's SaaS community here: https://www.thesaasacademy.com/offers/ivNjwYDx/checkout Follow Ben on LinkedIn: https://www.linkedin.com/in/benrmurray

As AI capabilities evolve, financial institutions face pressure to balance innovation with security, trust, and regulatory compliance. From fraud prevention to customer experience, deterministic AI applications continue to form the backbone of financial services—even as new technologies like generative and agentic AI emerge. In this episode, JoAnn Stonier, Data and AI Fellow at Mastercard, joins us to share how Mastercard is navigating these dynamics. She explains how AI-driven analytics reduce false positives in fraud detection, why “agent-ish” AI marks an important transition toward more autonomous systems, and how responsible governance ensures privacy and security remain at the forefront. Want to share your AI adoption story with executive peers? Click emerj.com/expert2 for more information and to be a potential future guest on the ‘AI in Business' podcast! If you've enjoyed or benefited from some of the insights of this episode, consider leaving us a five-star review on Apple Podcasts, and let us know what you learned, found helpful, or liked most about this show!

In this episode of The Consumer Finance Podcast, Chris Willis, Heryka Knoespel, and Lori Sommerfield discuss overdraft and deposit account fees as they continue to dive into the CFPB's guidance withdrawal. They highlight the regulatory and litigation impacts of the rescinded guidance and its impact on banks and financial institutions, particularly in terms of compliance burdens and fee income, while also weighing potential reputational risks and operational challenges that may arise if policy changes follow the CFPB's withdrawn guidance. This episode also emphasizes the importance of financial institutions being prepared to defend against lawsuits, specifically those related to Regulation E and affirmative consent.

Barry Loudermilk is a Constitutional Conservative who represents northwest Georgia's 11th Congressional District.Prior to being elected to the U.S. House of Representatives in 2014, Congressman Loudermilk served in the Georgia General Assembly in both the State House and State Senate.During his time in Congress, Rep. Loudermilk has served on the Committees of Science, Space and Technology, Homeland Security, the Joint Committee on the Library, Committee on House Administration, and Financial Services Committee. In his first year in Congress, he was appointed Chairman of the Oversight Subcommittee on Science, Space and Technology and served on the Homeland Security Committee's Special Task Force for Countering Terrorism and Terrorist Travel.In the 119th Congress, Congressman Loudermilk serves as a member of the Financial Services Committee, where he is the Vice Chair of the Subcommittee on Financial Institutions and is a member of the Subcommittee on Oversight and Investigations. The Subcommittee on Financial Institutions oversees banks, bank regulators, and lending, and the Subcommittee on Oversight and Investigations ensures that federal financial regulators are held accountable for their use of taxpayer funds. He also serves as a member of the Committee on House Administration and is a member of the Subcommittee on Elections.Congressman Loudermilk is also a member of the conservative Republican Study Committee and is the Republican Co-Chair of the Bipartisan FinTech and Payments Caucus.In the 118th Congress, House Speaker Kevin McCarthy tasked Congressman Loudermilk to lead the Committee on House Administration's Subcommittee on Oversight investigation into the events at the Capitol on January 6, 2021, the security failures of the U.S. Capitol Police, and the flawed investigation of House Select Committee on January 6.His father served as an Army medic in World War II and saw action during the D-Day invasion, Battle of the Bulge, and the Occupation of Germany. In 2019, Rep. Loudermilk was selected as one of the official delegates to represent the United States at the 75th anniversary of the D-Day invasion in Normandy.He is native of Georgia and veteran of the U.S. Air Force. Rep. Loudermilk is a student of the Constitution and the Christian heritage of America. Barry resides in northwest Georgia with his wife, Desiree. They have three grown children, and seven grandchildren. https://www.barryloudermilk.com/ https://www.andthentheyprayed.com/ 

Shareholder Succession Hosts - Tara Wean, Vice President, The Kafafian Group, Inc.         Ben Crowley, Managing Director, The Kafafian Group, Inc.         Richard Trauger, Managing Director, The Kafafian Group, Inc. Guests - Pete Scully, President, My Private Shares Andrew Rietz, Managing Director of Financial Institutions, My Private Shares

Shan Aggarwal, Chief Business Officer at Coinbase, joined me to discuss JPMorgan and PNC Bank's partnership with Coinbase to offer crypto services to their clients.Topics:- JPMorgan & PNC Bank partnerships- Banks and Financial Institutions entry into crypto- Opyn Markets & Liquifi acquisition- Coinbase Tokenized Stocks and 24/7 markets- AI integration on Coinbase and in markets- Crypto legislation & market outlookShow Sponsor -

This episode brings together our CCI and contentious regulatory teams to consider the impact of the Failure to Prevent Fraud offence on financial institutions. Jon Ford, Elizabeth Head and Ally Fitzgerald explore the risk areas that financial institutions may be exposed to as well as why financial institutions may be at an increased risk of enforcement in comparison to other organisations. They also provide insight into the steps that the HSF Kramer team have seen financial institutions take to prepare themselves for the September implementation date. Please also see our blogpost https://www.hsfkramer.com/notes/fsrandcorpcrime/2025-posts/ftpf-financialinstitutions for further discussion of this topic, and this briefing https://www.hsfkramer.com/notes/fsrandcorpcrime/2025-posts/ftpfraud-ready-sep25 for an overview of the new offence of Failure to Prevent Fraud.

In this episode of the Hit Record Podcast, Meredith Olmstead and Kristin Mock discuss a critical and often overlooked opportunity for financial institutions: capturing leads before they drop off during the application process. They explore how simple lead forms, automation, and thoughtful follow-up can recover lost revenue and boost funded loans without burdening your team.

Financial fraud is evolving fast — are you ready to spot it before it hits? In this power-packed session, fraud prevention expert Sunny Banerjee shares insider strategies to detect, stop, and stay ahead of threats like BEC scams, pig butchering, and real-time payment fraud. Walk away with enterprise-level controls and simple, actionable steps to safeguard your business and clients for years to come.

In this episode of The P.A.S. Report, Professor Nick Giordano exposes how America's financial system has been weaponized to punish political opponents and reshape society. From the 2008 bailouts to the Biden administration's aggressive expansion of Operation Chokepoint, Professor Giordano breaks down how banks, regulators, and politicians have quietly turned your access to money into a political tool. With President Trump's new Executive Order banning politicized debanking and Senator Tim Scott's FIRM Act aiming to make those protections permanent, he explains what's at stake, why your financial freedom hangs in the balance, and how Congress must act before it's too late. Episode Highlights How the 2008 financial crisis created “too big to fail” banks and paved the way for politicized banking. The Biden administration's push to flag “Trump” and “MAGA” transactions, target lawful industries, and revive Operation Chokepoint. Why Trump's Executive Order is a major win, but why the FIRM Act is critical to making protections against political debanking permanent.

The first half of 2025 marked a shift in the financial institutions' risk landscape, driven by regulatory rollbacks, growing digital asset exposures and a surge in claims activity. Join Ron Borys and Ryan Farnsworth, Alliant Financial Institutions, as they discuss how these changes are influencing market behavior, insurer appetite and underwriting strategy. They also outline key considerations for renewals and explain how Alliant supports clients with strategic planning, analytics and claims advocacy in a rapidly evolving environment.

Host Brian Walsh takes up ImpactAlpha's top stories with editor David Bank. Up this week: New urgency around investments in climate adaptation and resilience in the wake of the tragic flooding in Texas. How Community Development Financial Institutions in Indian country are positioned to step up – with or without promised federal funding (09:02). And, highlights from David's recent interview with Blue Haven Initiative's Liesel Pritzker Simmons about the ways that family offices are engaging with impact investing during these perilous times (14:15).“Investments in adaptation and resilience acquire new urgency as the climate future arrives,” by Amy Cortese“Native CDFIs are positioned to step up, even without promised federal funds,” by Erik Stein“Blue Haven's Liesel Pritzker Simmons on family office impact investing in perilous times (Q&A),” by David Bank

Host Brian Walsh takes up ImpactAlpha's top stories with editor David Bank. Up this week: New urgency around investments in climate adaptation and resilience in the wake of the tragic flooding in Texas. How Community Development Financial Institutions in Indian country are positioned to step up – with or without promised federal funding (09:02). And, highlights from David's recent interview with Blue Haven Initiative's Liesel Pritzker Simmons about the ways that family offices are engaging with impact investing during these perilous times (14:15).Story links:“⁠Investments in adaptation and resilience acquire new urgency as the climate future arrives⁠,” by Amy Cortese“⁠Native CDFIs are positioned to step up, even without promised federal funds⁠,” by Erik Stein“⁠Blue Haven's Liesel Pritzker Simmons on family office impact investing in perilous times (Q&A⁠),” by David Bank

Dr. Champion is interviewed on the John Dowling Show regarding the limited application of withholding US income tax, as well as revealing that every financial institution in America - including crypto platforms - requires a prospective customer to commit perjury as a condition of opening an account! Dave's books are at https://drreality.news/store/ To get FREE SHIPPING on any order containing "Income Tax: Shattering The Myths", use the code "tariffs" at checkout.

In today's episode, Kimberly Zhang sits down with Anré Williams, Senior Executive Advisor at American Express and former CEO of American Express National Bank. Anré reflects on his 35-year journey at American Express—leading global merchant services, digital innovation, and banking operations—while offering an inside look at how to drive transformation in a legacy financial institution. Tune in to hear about: • Key lessons from leading large-scale digital initiatives in highly regulated environments • How to balance innovation with compliance and customer trust in a changing financial landscape • Anré's perspective on the future of AI, embedded finance, and what it takes to build resilient, forward-looking financial services

Tom Bodrovics introduces Chris Whalen, author of Inflated: Money, Debt, and the American Dream, which has been re-released in a second edition with significant updates. The conversation focuses on the current state of markets, the impact of President Trump's tariff policies, and the challenges posed by the federal debt and inflation. Chris explains that he removed 20,000 words from his original book to make space for a new chapter analyzing the Federal Reserve's management of the money supply under Ben Bernanke, Janet Yellen, and Jerome Powell. He highlights how the U.S. housing market has become heavily government-supported, leading to increased volatility and rising costs for consumers. Discussing inflation, Chris notes that it is driven by the inability of governments to generate sufficient income to meet their people's needs, as seen in countries like Argentina. He argues that borrowing from future income through debt creates distortions, particularly in housing markets, where prices have surged due to low interest rates and government intervention. He also critiques the dysfunctionality of Congress, which he believes is unable to pass budgets or manage spending effectively. Chris emphasizes the importance of gold as a hedge against inflation and expresses skepticism about stablecoins and cryptocurrencies, calling them speculative vehicles rather than reliable alternatives to fiat currency. He suggests that the U.S. dollar's dominance in global markets contributes to inflationary pressures, as other countries benefit from using dollars without bearing the associated costs. The discussion concludes with Chris offering an optimistic outlook, noting that while challenges remain, opportunities exist for investors to navigate inflation through real estate and gold. He encourages listeners to manage investments with a long-term perspective, considering the erosive effects of even low levels of inflation over time. Time Stamp References:0:00 - Introduction1:02 - His Revised Book3:08 - Tariffs & Debt Distortions7:12 - Reserve Currency & Inflation11:03 - Debt Markets & Fed/Banks17:32 - National Debt & Spending21:18 - DOGE Cuts & Old Systems30:17 - Trump's Strategy?34:04 - Gold During Nixon Era39:08 - Book & US Administrations44:13 - MMT Era & Cryptocurrency?50:21 - Silver Supply & 1800s52:06 - Stablecoin Backing55:02 - Concluding Thoughts56:33 - Wrap Up Guest Links:Website: https://www.rcwhalen.com/X: https://x.com/rcwhalenBooks (Amazon): https://tinyurl.com/mv3wctcrLinkedIn: https://www.linkedin.com/in/rcwhalen/ Richard Christopher Whalen is an investment banker and author based in New York. He serves as Chairman of Whalen Global Advisors LLC, focusing on banking, mortgage finance, and fintech sectors. Christopher is a contributing editor at National Mortgage News and a general securities principal and member of FINRA. From 2014 to 2017, he was the Senior Managing Director and Head of Research at Kroll Bond Rating Agency, leading the Financial Institutions and Corporate Ratings Groups. Previously, he was a principal at Institutional Risk Analytics from 2003 to 2013. Over three decades, Chris has worked as an author, financial professional, and journalist in Washington, New York, and London. After graduating, he served under Rep. Jack Kemp (R-NY) at the House Republican Conference Committee. In 1993, he was the first journalist to report on secret FOMC minutes concealed by Alan Greenspan. His career included roles at the Federal Reserve Bank of New York, Bear Stearns & Co., Prudential Securities, Tangent Capital, and Carrington Mortgage Holdings. Christopher holds a B.A. in History from Villanova University. He is the author of three books: "Ford Men: From Inspiration to Enterprise" (2017), published by Laissez Faire Books; "Inflated: How Money and Debt Built the American Dream" (2010) by John Wiley & Sons; and co-author of "Financial Stability: Fraud, Confidence & the Wealth of Nations,